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Mini app spree results, 4 years post Ch7


whipster
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The last post in this topic was posted 3819 days ago. 

 

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4 years post Ch7, unfroze the 3 CRs for a bit since my scores were pretty good (low 700's) and ~1% util, 1 inq on each.

 

Currently have Priceline The Shat 8K, CapOne 5K, BBRZzzz 500 (pffft!), Macys 2K, Kays 5k.

 

BK'd some big boys, BOA, Chased, Wally, USAA, so don't have much of a choice where I can apply.

 

Immediately got shot down by Amex, HP on EX. They are not BK friendly, that was reason given, but no longer on BL there. Not IIB, but burned them many moons ago pre BK.

Got instant 5K recon to 8K by SSFCU/Security Service FCU for the Travel Rewards card, 3% on gas, airfare, dining, hotels. Pulls Chex to join, TU for credit products. Great CU that has business accounts too, very rare.

Got 1.5K on Discover It, tried recon but no go for more. Pulled EQ. Not IIB, but burned them way back pre BK.

 

So-so limit results but got back in w/Disco for the shopping discounts and the monthly FICO.

CR's back to locked mode.

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Congrats!

 

Yeah, Amex with a BK is not going to happen. There's someone on here claiming to have 2 Amex cards with a BK showing that is less than a year old, but it's BS. I wish people wouldn't lie though, because it will come up in a search.

 

At least you know you're off the blacklist. They would not have pulled otherwise.

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does anyone know if a settled chargeoff leads to a blacklist?

 

and if so, is it for just the length of time that it is on your credit report or is it more a matter of specific time or specific creditor...?

If you are on the blacklist, they won't pull your credit. You'll know right away.

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